Sands Insurance

Your business changed this year. Did your insurance keep up? 👇

Most contractors update their policy once and never touch it again. But your coverage needs to match your business today, not the one you had three years ago.

Here are 3 things that should trigger a policy update right now. Swipe through 👉

👥 You added crew or changed your payroll
Workers comp premiums are based on payroll. Get this wrong and an audit hits hard.

🔧 You bought new equipment or vehicles
If it is not scheduled on your policy, it is not protected. New gear is not added automatically.

🏗️ You took on bigger or different jobs
A policy built for residential work may leave you exposed on a commercial contract.
If any of these apply, it is time for a quick review. Free, 15 minutes, no pressure.

DM us MIDYEAR or call 515-965-2429.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Most business owners in Iowa haven't looked at their insurance policy in over a year.

Not because they don't care. Because nobody told them they should. 🤷

Here's what happens in the meantime.

Your business grows. You add crew. You buy new equipment. You take on bigger jobs.
But your policy stays exactly the same as it was on day one.

That is not coverage. That is a false sense of security. ⚠️

One denied claim is all it takes to find out what your policy actually covers versus what you assumed it covered.

Here is the part most people miss.

Insurance companies do not remind you to review your policy. Auto-renewal is good for them, not for you. 📋

An independent agent shops the whole market. A captive agent sells you one company's products and calls it a day.

The difference matters when it is time to file a claim.

That is exactly why we offer a free policy review for Iowa contractors and homeowners. 🙌

15 minutes. We look at what you have, tell you where the gaps are, and check if a better rate exists with a different carrier.

No sales pitch. No obligation to switch. Just a straight answer from a local, independent agent right here in Ankeny.

If your policy has not been reviewed in the last 12 months, comment REVIEW below or send me a direct message. 👇

First come, first served.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com